Welcome to IBA . Do you need any assistance ?   Yes , please . I'm hoping to get a mortgage from you and was wondering about your interest rates .   I see . We offer Personal Housing Loans , or mortgages , at a rate of 0.42 % per month .   That's pretty much the same as I've been quoted at other banks .   We offer many different payment plans . Would you be looking at long-term or short-term ? Are you looking at a 10 - year repayment plan ?   Definitely . I want to get my mortgage paid off as soon as I can .   Then we can certainly help you with that . You see , for shorter term loans , we can offer an even more competitive interest rate .   Mmmm ... that does sound interesting . Is there anyone available I can talk with about this in more detail ?   I'll get our Mortgage Adviser for you . Please take a seat , I won't be a minute . 